SAFE & SOUND® STAR RATINGS

Financial statement

BAILEYVILLE STATE BANK
611 NORTH 2ND
SENECA, Kansas 66538

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of June 30, 2014
Federal Reserve System Identifier 998750




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$40,680$40,184$38,547
Loans Receivable, Net22,26221,63020,448
Mortgage-Backed Securities4,6555,0013,472
Investments11,49411,49213,026
Deposits34,54832,43932,105
Borrowings2,4334,4882,427
Equity3,5313,1943,684
Net Interest Income5941,1521,270
Fee Income285648
Overhead5271,0451,041
Net Operating Income107150269
Net Income96144256
Ratio Analysis Profitability%%%
Return on Assets *0.370.370.67
Operating Return on Assets *0.400.390.70
Return on Equity *4.344.297.20
Net Interest Margin *3.033.093.44
Fee Income / Assets *0.140.140.13
Overhead / Assets *2.672.692.71
Efficiency Ratio84.1985.8779.77
Asset Quality%%%
Nonperforming Assets / Assets1.121.091.77
Nonperforming Assets / Equity & Loss Reserves12.0712.8116.98
Loss Reserves / Nonperforming Loans326.92383.0550.44
1-4 Fam Mtg + MBS / Assets24.8425.6522.35
Commercial Real Estate Loans / Assets2.232.001.42
Construction Loans / Assets3.444.354.31
Commercial & Industrial Loans / Assets9.1410.039.19
Consumer Loans / Assets2.312.152.71
Capitalization%%%
Equity / Assets8.687.959.56
Tangible Capital / Tangible Assets8.687.959.56
Risk-based Capital Ratio15.3315.1615.75
Liquidity%%%
Loans / Deposits64.4466.6863.69
Non-Interest Bearing Deposits / Deposits12.5212.3412.71
Purchased Liabilities6.8112.427.18

* Calculations are based on the latest four quarters of income and expense.
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